| RANDALL JAMES RECEPTION |
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Save the Date: August 14
Please join us August 14, 2008, as we honor Texas Banking Commissioner Randall James for his years of public service to our industry and our state. IBAT, along with the Texas Bankers Association, will host a Farewell Appreciation Reception for Commissioner James from 6:00-8:00pm at the Headliners Club in Austin.
There is a limited number of hotel rooms available for those of you needing to stay overnight. If you are interested in securing a room at the Intercontinental Stephen F. Austin Hotel (just 2 blocks from the Headliners) at a room rate of $169, please e-mail Janey Holstien at the IBAT offices, jholstien@ibat.org.
A formal invitation will be sent to all state-chartered banks and industry partners in the near future, but we wanted you to get this on your calendar now and make plans to attend as we honor our longtime friend and public servant. |
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| NEWS |
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Banking Commissioner Posting
Commissioner James' retirement is effective August 31, 2008. State law requires that open positions be "posted", and we have been asked to make this information available to our membership. The posting for this position may be found HERE. |
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| FIVE*STAR AWARD WINNERS ANNOUNCED |
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Five-Star Award Winners Announced
The votes are in for the 2008 Five Star Awards. Congratulations to The Garland Group, PULSE and Deluxe Financial Services for garnering the most votes from IBAT members for not only excellent products, but exceptional service to IBAT bank members. Awards will be presented during the IBAT Education Foundation Gala on Sunday, September 21st, at the Hyatt Lost Pines Resort. Thanks to all of this year's nominees for the superior service you provide to the community banking industry. |
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| IBAT PAC AUCTION UNDER WAY |
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Items for the 2008 PAC Auction are beginning to come in as we prepare for our Convention in September. Have you decided what you're donating this year? Jewelry, handbags and unique toys are always popular, along with golf, hunting, fishing packages and weekend getaways. To donate your item, click HERE for the Auction Form and return to Mae Beth in the IBAT Office.
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| CONSUMER TIPS |
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What Is a HELOC and Do You Need One?
This month's Consumer Tips column is a refresher course for your customer on home equity lines of credit. This column defines a HELOC for your customer, criteria that lenders consider in determining the credit line amount and the process to establish a line of credit. To read the entire column, click HERE. |
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| LEGAL EASE QUESTION OF THE WEEK |
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Question: Can you please tell me where to find the regulation on appraisal requirements? More specifically, the requirement to give the customer the “Right to Receive a Copy of the Appraisal Notice;” further – where does the 90-day time limit for requesting the appraisal come from? Is this 90 days a regulation or just a suggested number of days to allow for the request that the industry has agreed upon?
To find out the answer, click on the flashing question mark. And you can also check out our searchable database of other frequently asked questions. |
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| BAKER WEEKLY |
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The U.S. economy lost 62,000 jobs in June, slightly more than economists were expecting…The unemployment rate, as indicated by a separate survey from the payroll figures, held steady at 5.5%, missing economists’ expectation. Rising energy costs and slowing consumer demand has pushed companies to tighten expenditures and limit unnecessary hires...Read more in this week's Baker Weekly.
Although this information has been obtained from sources, which we believe to be reliable, we do not guarantee its accuracy. This is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. |
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| SOLUTIONS FROM SERVICES |
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John M. Floyd & Associates
IBAT endorsed since 2004, JMFA is a leading provider of overdraft privilege programs. JMFA Overdraft Privilege has helped more than 1,000 financial institutions streamline processes, become 100% compliant and increase non-interest income 50% to 300%. For more information contact Ron Jennings at 800-809-2307 or e-mail at ron.jennings@jmfa.com. |
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| ON THE EDUCATION FRONT |
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IBAT Advanced Bonds Summit
August 7 - Westin DFW Airport, Irving, TX
Hotel deadline July 15th
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Who Should Attend:
This summit was created for presidents and CFOs who feel they need a review, or for assistants who help with the portfolio but have never had the opportunity to be exposed to bond education. |
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COMING SOON |
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For a complete listing of upcoming events, CLICK HERE. Meanwhile, please mark your calendar for some of our key upcoming events.
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August 7 - Irving |
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August 21 - San Antonio |
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September 4-5, Irving |
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September 21-23, 2008 - Hyatt Lost Pines Resort, Austin/Bastrop |
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October 5-10, 2008 - Dallas |
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Sales Culture 201 Summit
November - Dallas |
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November 3-4 - Dallas |
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Financial Literacy Summit
December 2-3 - San Antonio | | |
